/*
 * ═══════════════════════════════════════════════════════════════
 *  YMFLOW — Joomla Custom Template Stylesheet
 *  Path   : /templates/ymflow/css/template.css
 *
 *  Fonts (add to index.php <head> before this stylesheet):
 *  <link rel="preconnect" href="https://fonts.googleapis.com">
 *  <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
 *  <link href="https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;1,400&family=Jost:wght@300;400;500&display=swap" rel="stylesheet">
 * ═══════════════════════════════════════════════════════════════
 *
 *  TABLE OF CONTENTS
 *  01. Design Tokens
 *  02. Joomla Layout Reset
 *  03. Header & Navigation  ← NEW
 *  04. Base & Typography
 *  05. Utilities & Buttons
 *  06. Page Header Band
 *  07. Home — Hero
 *  08. Home — Ticker
 *  09. Home — Services Cards
 *  10. Home — Kaizen Philosophy
 *  11. Home — CTA Banner
 *  12. Our Company — About
 *  13. Our Company — Team
 *  14. Our Company — Ethics
 *  15. Our Company — What We Do
 *  16. Our Company — Qualification
 *  17. Services — Split & Features
 *  18. Services — Calculator
 *  19. Services — Process Steps
 *  20. Legal — Layout & Table
 *  21. Legal — Registration & Brokers
 *  22. Blog Page    (.ym-blog-page)
 *  23. Calculator Page (.ym-calc-page)
 *  24. Footer       (.ym-footer-wrap / .ym-footer)
 *  25. Animations
 *  26. Responsive — Tablet ≤960px
 *  27. Responsive — Mobile ≤560px
 * ═══════════════════════════════════════════════════════════════
 */


/* ═════════════════════════════════════════════════════════════
   01. DESIGN TOKENS
   ═════════════════════════════════════════════════════════════ */

:root {
  --cream:     #f8f5f0;
  --parchment: #ede8df;
  --white:     #ffffff;
  --gold:      #9a7b3a;
  --gold-lt:   #c4a35a;
  --gold-dim:  rgba(154,123,58,.13);
  --rule:      rgba(154,123,58,.22);
  --ink:       #1c1a17;
  --ink-mid:   #3d3a34;
  --ink-soft:  #7a7469;
  --slate:     #2d3240;
  --footer-bg: #1e1c19;
  --font-d:    'Playfair Display', Georgia, serif;
  --font-b:    'Jost', sans-serif;
  --max-w:     1200px;
  --pad-h:     2.5rem;
  --gap:       1.5rem;
  --ease:      .28s ease;
}


/* ═════════════════════════════════════════════════════════════
   02. JOOMLA LAYOUT RESET
   Neutralises offsets added by the Joomla template wrapper,
   Bootstrap grid, and module positions.
   ═════════════════════════════════════════════════════════════ */

/* Remove any left-offset from Joomla content containers */
#sp-component,
#sp-main-body,
#system-message-container,
.sp-grid,
.sp-column,
.sp-module,
.container,
.container-fluid,
.row {
  margin-left:  0 !important;
  margin-right: 0 !important;
  padding-left:  0 !important;
  padding-right: 0 !important;
  max-width:     100% !important;
  width:         100% !important;
  float:         none !important;
}

/* Kill Bootstrap col- gutters that push content right */
[class*="col-"] {
  padding-left:  0 !important;
  padding-right: 0 !important;
  float:         none !important;
  width:         100% !important;
  max-width:     100% !important;
}

/* Joomla article wrappers */
.item-page,
.blog,
.com_content,
#sp-page-builder,
.page-content {
  padding:  0 !important;
  margin:   0 !important;
  width:    100% !important;
}

/* Nav menu left-alignment */
.mod-menu__list,
.nav-pills,
.nav-tabs,
ul.nav,
.navbar-nav {
  display:         flex !important;
  justify-content: flex-start !important;
  margin-left:     0 !important;
  padding-left:    0 !important;
}


/* ═════════════════════════════════════════════════════════════
   03. HEADER & NAVIGATION
   Targets .ym-header / .ym-nav / .ym-logo from index.php
   ═════════════════════════════════════════════════════════════ */

/* ── Site wrapper ── */
.ym-site-wrapper {
  display:        flex;
  flex-direction: column;
  min-height:     100vh;
}

.ym-main { flex: 1; }

/* ── Container — matches .wrap concept ── */
.ym-container {
  max-width: var(--max-w);
  width:     100%;
  margin:    0 auto;
  padding:   0 var(--pad-h);
}

/* ── Topbar (above header, if used) ── */
.ym-topbar {
  background:    var(--footer-bg);
  border-bottom: 1px solid rgba(154,123,58,.18);
  padding:       .4rem 0;
  font-size:     .62rem;
  color:         rgba(232,225,210,.5);
  letter-spacing:.1em;
}

/* ── Header ── */
.ym-header {
  background:    var(--footer-bg);
  border-bottom: 2px solid var(--gold);
  position:      sticky;
  top:           0;
  z-index:       500;
  -webkit-font-smoothing: antialiased;
}

.ym-header-inner {
  display:         flex;
  align-items:     center;
  justify-content: space-between;
  padding:         1rem 0;
  gap:             2rem;
}

/* ── Logo ── */
.ym-logo a {
  display:     flex;
  align-items: center;
  gap:         .75rem;
  color:       #f5f2ec;
  text-decoration: none;
  transition:  opacity var(--ease);
}
.ym-logo a:hover { opacity: .8; color: #f5f2ec; }

.ym-logo-mark {
  width:         34px;
  height:        34px;
  border:        1.5px solid var(--gold);
  border-radius: 50%;
  display:       flex;
  align-items:   center;
  justify-content: center;
  flex-shrink:   0;
}
.ym-logo-mark span {
  width:         11px;
  height:        11px;
  background:    var(--gold);
  border-radius: 50%;
  opacity:       .5;
}

.ym-logo-name {
  font-family:    var(--font-d);
  font-size:      1.2rem;
  font-weight:    600;
  color:          #f5f2ec;
  letter-spacing: .08em;
}

/* ── Nav wrapper ── */
.ym-nav {
  display:     flex;
  align-items: center;
}

/* ── Joomla module menu output inside .ym-nav ──
   mod_menu renders: <ul class="mod-menu__list nav navbar-nav">
   with <li class="mod-menu__item"> and <a class="mod-menu__link">  */

.ym-nav ul,
.ym-nav .mod-menu__list,
.ym-nav .nav {
  display:         flex !important;
  flex-direction:  row !important;
  align-items:     center !important;
  gap:             .25rem !important;
  list-style:      none !important;
  margin:          0 !important;
  padding:         0 !important;
}

.ym-nav li,
.ym-nav .mod-menu__item {
  position:   relative;
  margin:     0 !important;
  padding:    0 !important;
}

/* Top-level links */
.ym-nav a,
.ym-nav .mod-menu__link,
.ym-nav .nav-link {
  display:        block !important;
  padding:        .55rem 1rem !important;
  font-family:    var(--font-b) !important;
  font-size:      .65rem !important;
  font-weight:    500 !important;
  letter-spacing: .18em !important;
  text-transform: uppercase !important;
  color:          rgba(232,225,210,.7) !important;
  text-decoration: none !important;
  transition:     color var(--ease), background var(--ease) !important;
  white-space:    nowrap !important;
  border-bottom:  2px solid transparent !important;
}

.ym-nav a:hover,
.ym-nav .mod-menu__link:hover,
.ym-nav .nav-link:hover,
.ym-nav li.active > a,
.ym-nav li.current > a,
.ym-nav .mod-menu__item.active > .mod-menu__link,
.ym-nav .mod-menu__item.current > .mod-menu__link {
  color:         var(--gold-lt) !important;
  border-bottom-color: var(--gold) !important;
}

/* ── Dropdown submenus ── */
.ym-nav .nav-child,
.ym-nav ul ul,
.ym-nav .dropdown-menu {
  display:          none !important;
  position:         absolute !important;
  top:              calc(100% + 2px) !important;
  left:             0 !important;
  min-width:        200px !important;
  background:       var(--footer-bg) !important;
  border:           1px solid rgba(154,123,58,.25) !important;
  border-top:       2px solid var(--gold) !important;
  padding:          .5rem 0 !important;
  z-index:          600 !important;
  flex-direction:   column !important;
  gap:              0 !important;
  box-shadow:       0 8px 32px rgba(0,0,0,.35) !important;
}

/* Show on hover */
.ym-nav li:hover > .nav-child,
.ym-nav li:hover > ul ul,
.ym-nav li:hover > .dropdown-menu,
.ym-nav .mod-menu__item:hover > .nav-child {
  display:         flex !important;
}

/* Dropdown items */
.ym-nav .nav-child li,
.ym-nav .dropdown-menu li {
  width: 100%;
}

.ym-nav .nav-child a,
.ym-nav .dropdown-menu a,
.ym-nav ul ul a {
  padding:        .6rem 1.2rem !important;
  font-size:      .68rem !important;
  color:          rgba(232,225,210,.65) !important;
  border-bottom:  none !important;
  letter-spacing: .12em !important;
}
.ym-nav .nav-child a:hover,
.ym-nav .dropdown-menu a:hover,
.ym-nav ul ul a:hover {
  background: rgba(154,123,58,.12) !important;
  color:      var(--gold-lt) !important;
  border-bottom: none !important;
}

/* Dropdown arrow indicator */
.ym-nav li.deeper > a::after,
.ym-nav .mod-menu__item.parent > a::after {
  content:      ' ·';
  color:        var(--gold);
  font-size:    .5rem;
  margin-left:  .3rem;
  opacity:      .7;
}

/* ── Mobile toggle button ── */
.ym-nav-toggle {
  display:    none;
  background: none;
  border:     none;
  cursor:     pointer;
  padding:    .5rem;
}
.ym-nav-toggle span {
  display:    block;
  width:      22px;
  height:     2px;
  background: rgba(232,225,210,.8);
  margin:     4px 0;
  transition: all .25s;
  border-radius: 1px;
}
.ym-nav-toggle.active span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.ym-nav-toggle.active span:nth-child(2) { opacity: 0; }
.ym-nav-toggle.active span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ── Banner position (below header) ── */
.ym-banner { width: 100%; }

/* ── Main content area ── */
.ym-main .ym-container { padding-top: 0; padding-bottom: 0; }

/* Main grid — handles optional sidebars */
.ym-main-grid {
  display:               grid;
  grid-template-columns: 1fr;
  width:                 100%;
}
.ym-main-grid.has-sidebar-left                   { grid-template-columns: 260px 1fr; gap: 3rem; }
.ym-main-grid.has-sidebar-right                  { grid-template-columns: 1fr 260px; gap: 3rem; }
.ym-main-grid.has-sidebar-left.has-sidebar-right { grid-template-columns: 240px 1fr 240px; gap: 2.5rem; }

.ym-component { min-width: 0; width: 100%; }

/* ── Mobile nav (≤768px) — handled in responsive section ── */

/* ═════════════════════════════════════════════════════════════
   04. BASE & TYPOGRAPHY
   ═════════════════════════════════════════════════════════════ */

*, *::before, *::after {
  box-sizing: border-box;
  margin:     0;
  padding:    0;
}

html { scroll-behavior: smooth; }

body {
  background:              var(--cream);
  color:                   var(--ink);
  font-family:             var(--font-b);
  font-weight:             300;
  font-size:               16px;
  line-height:             1.7;
  -webkit-font-smoothing:  antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; }
ul  { list-style: none; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-d);
  font-weight: 400;
  line-height: 1.15;
  color:       var(--ink);
}

p {
  color:       var(--ink-mid);
  line-height: 1.82;
}

a {
  color:           var(--gold);
  text-decoration: none;
  transition:      color var(--ease);
}
a:hover  { color: var(--gold-lt); }
strong   { font-weight: 500; }
em       { font-style:  italic; }


/* ═════════════════════════════════════════════════════════════
   04. UTILITIES & BUTTONS
   ═════════════════════════════════════════════════════════════ */

/* Page-width wrapper — always centred, never offset */
.wrap {
  max-width: var(--max-w);
  width:     100%;
  margin:    0 auto;
  padding:   0 var(--pad-h);
}

.section    { padding: 5.5rem 0; }
.section-sm { padding: 3.5rem 0; }

.parchment-bg {
  background:    var(--parchment) !important;
  border-top:    1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}

.section-head          { margin-bottom: 3rem; }
.section-head h2       { font-size: 2.4rem; margin-top: .4rem; }

/* Eyebrow label */
.eyebrow {
  display:        inline-flex;
  align-items:    center;
  gap:            .8rem;
  font-size:      .62rem;
  font-weight:    500;
  letter-spacing: .3em;
  text-transform: uppercase;
  color:          var(--gold);
  margin-bottom:  1rem;
}
.eyebrow::before {
  content:    '';
  width:      28px;
  height:     1px;
  background: var(--gold);
}

/* Lead / pull quote */
.lead {
  font-family:   var(--font-d);
  font-size:     1.15rem;
  font-weight:   400;
  font-style:    italic;
  color:         var(--ink);
  line-height:   1.6;
  margin-bottom: 1.6rem;
  padding-left:  1.4rem;
  border-left:   3px solid var(--gold);
}

/* Grid helpers */
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: var(--gap); }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--gap); }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: var(--gap); }

/* Buttons */
.btn {
  display:        inline-block;
  font-family:    var(--font-b);
  font-size:      .65rem;
  font-weight:    500;
  letter-spacing: .22em;
  text-transform: uppercase;
  padding:        .85rem 2rem;
  cursor:         pointer;
  transition:     all var(--ease);
  border:         none;
}
.btn-gold    { background: var(--gold);       color: var(--white); }
.btn-gold:hover { background: var(--gold-lt); color: var(--white); }
.btn-outline { border: 1px solid var(--gold); color: var(--gold); background: transparent; }
.btn-outline:hover { background: var(--gold); color: var(--white); }


/* ═════════════════════════════════════════════════════════════
   05. PAGE HEADER BAND
   Dark slate header used on all interior pages
   ═════════════════════════════════════════════════════════════ */

.page-header {
  background: var(--slate);
  padding:    4.5rem 0 3.5rem;
  position:   relative;
  overflow:   hidden;
  width:      100%;
}

/* grid texture */
.page-header::before {
  content:    '';
  position:   absolute;
  inset:      0;
  background-image:
    linear-gradient(rgba(154,123,58,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(154,123,58,.04) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events:  none;
}

/* gold accent line */
.page-header::after {
  content:    '';
  position:   absolute;
  bottom: 0; left: 0; right: 0;
  height:     3px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.page-header h1 {
  font-size:     clamp(2rem, 4vw, 3rem);
  color:         #f5f2ec;
  max-width:     640px;
  margin-bottom: .8rem;
  position:      relative;
  z-index:       1;
}
.page-header p {
  color:     rgba(232,225,210,.6);
  font-size: .9rem;
  max-width: 520px;
  position:  relative;
  z-index:   1;
}

.ph-eyebrow {
  display:        inline-flex;
  align-items:    center;
  gap:            .7rem;
  font-size:      .6rem;
  font-weight:    500;
  letter-spacing: .3em;
  text-transform: uppercase;
  color:          var(--gold-lt);
  margin-bottom:  1.2rem;
  position:       relative;
  z-index:        1;
}
.ph-eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--gold-lt); }


/* ═════════════════════════════════════════════════════════════
   06. HOME — HERO
   ═════════════════════════════════════════════════════════════ */

.hero {
  min-height:            100vh;
  background:
    linear-gradient(160deg, #faf7f2 0%, #ede8df 60%, #e5dfd4 100%);
  display:               grid;
  grid-template-columns: 1fr 1fr;
  position:              relative;
  overflow:              hidden;
  width:                 100%;
}

.hero::before {
  content:        '';
  position:       absolute;
  top: -100px; right: -100px;
  width:          600px; height: 600px;
  background:     radial-gradient(circle, rgba(154,123,58,.1) 0%, transparent 70%);
  pointer-events: none;
}

.hero-geo {
  position:       absolute;
  bottom: 0; left: 0;
  width:          340px; height: 340px;
  border:         1px solid var(--rule);
  border-radius:  50%;
  transform:      translate(-40%,40%);
  pointer-events: none;
}
.hero-geo::after {
  content:       '';
  position:      absolute;
  inset:         30px;
  border:        1px solid var(--rule);
  border-radius: 50%;
}

/* Force left column to column 1 */
.hero-left {
  grid-column:     1;
  grid-row:        1;
  display:         flex;
  flex-direction:  column;
  justify-content: center;
  padding:         5rem 4rem 5rem 3rem;
  position:        relative;
  z-index:         2;
}

.hero-tag {
  font-size:      .62rem;
  font-weight:    500;
  letter-spacing: .3em;
  text-transform: uppercase;
  color:          var(--gold);
  display:        flex;
  align-items:    center;
  gap:            .8rem;
  margin-bottom:  1.8rem;
  animation:      fadeUp .7s ease .1s both;
}
.hero-tag::before { content: ''; width: 28px; height: 1px; background: var(--gold); }

.hero h1 {
  font-size:     clamp(2.6rem,4.5vw,4.2rem);
  color:         var(--ink);
  line-height:   1.08;
  margin-bottom: 1.6rem;
  animation:     fadeUp .7s ease .25s both;
}
.hero h1 em { font-style: italic; color: var(--gold); }

.hero-desc {
  font-size:     .95rem;
  line-height:   1.85;
  color:         var(--ink-soft);
  max-width:     420px;
  margin-bottom: 2.5rem;
  animation:     fadeUp .7s ease .4s both;
}

.hero-actions {
  display:     flex;
  gap:         1.2rem;
  align-items: center;
  animation:   fadeUp .7s ease .55s both;
}

/* Force right column to column 2 */
.hero-right {
  grid-column:     2;
  grid-row:        1;
  display:         flex;
  align-items:     center;
  justify-content: center;
  padding:         5rem 3rem 5rem 2rem;
  position:        relative;
  z-index:         2;
  animation:       fadeUp .8s ease .3s both;
}

.hero-visual-box {
  width:          360px; height: 420px;
  background:     var(--white) !important;
  border:         1px solid var(--rule);
  box-shadow:     0 20px 80px rgba(154,123,58,.12);
  position:       relative;
  display:        flex;
  flex-direction: column;
  justify-content: flex-end;
  padding:        2.5rem;
}

.hvb-deco {
  position:      absolute;
  top: 2rem; right: 2rem;
  width:         80px; height: 80px;
  border:        1px solid var(--rule);
  border-radius: 50%;
  display:       flex;
  align-items:   center;
  justify-content: center;
}
.hvb-deco::after {
  content:       '';
  width:         42px; height: 42px;
  background:    var(--gold-dim);
  border-radius: 50%;
}

.hvb-image-area {
  position:  absolute;
  top: 0; left: 0; right: 0;
  height:    55%;
  background: linear-gradient(135deg, rgba(45,50,64,.85) 0%, rgba(28,30,28,.9) 100%);
  display:   flex;
  align-items: center;
  justify-content: center;
  overflow:  hidden;
}
.hvb-icon {
  font-size:   4rem;
  opacity:     .18;
  color:       var(--gold);
  font-family: var(--font-d);
}

.hvb-badge {
  position:       absolute;
  top: 50%; left: 2.5rem;
  transform:      translateY(-50%);
  background:     var(--gold);
  color:          var(--white);
  font-size:      .58rem;
  font-weight:    500;
  letter-spacing: .2em;
  text-transform: uppercase;
  padding:        .4rem .9rem;
}

.hvb-content { position: relative; z-index: 2; padding-top: 1rem; }
.hvb-content h3 { font-family: var(--font-d); font-size: 1.3rem; margin-bottom: .5rem; }
.hvb-content p  { font-size: .78rem; color: var(--ink-soft); }

/* Stats strip */
.hero-stats {
  grid-column:           1 / -1;
  grid-row:              2;
  display:               grid;
  grid-template-columns: repeat(4,1fr);
  border-top:            1px solid var(--rule);
  background:            var(--white) !important;
}
.hstat {
  padding:      1.8rem 3rem;
  border-right: 1px solid var(--rule);
}
.hstat:last-child  { border-right: none; }
.hstat-num {
  font-family:   var(--font-d);
  font-size:     2rem;
  color:         var(--gold);
  display:       block;
  line-height:   1.1;
  margin-bottom: .25rem;
}
.hstat-label {
  font-size:      .6rem;
  font-weight:    500;
  letter-spacing: .2em;
  text-transform: uppercase;
  color:          var(--ink-soft);
}


/* ═════════════════════════════════════════════════════════════
   07. HOME — TICKER
   ═════════════════════════════════════════════════════════════ */

.ticker {
  background:    var(--slate);
  padding:       .9rem 0;
  overflow:      hidden;
  border-bottom: 2px solid var(--gold);
  width:         100%;
}
.ticker-inner {
  display:     flex;
  gap:         4rem;
  white-space: nowrap;
  width:       max-content;
  animation:   ticker-scroll 35s linear infinite;
}
.ticker-item {
  font-size:      .62rem;
  font-weight:    500;
  letter-spacing: .22em;
  text-transform: uppercase;
  color:          rgba(232,225,210,.7);
  display:        flex;
  align-items:    center;
  gap:            .9rem;
}
.ticker-item::before { content: '◆'; color: var(--gold-lt); font-size: .45rem; }


/* ═════════════════════════════════════════════════════════════
   08. HOME — SERVICES CARDS
   ═════════════════════════════════════════════════════════════ */

.services-row {
  display:               grid;
  grid-template-columns: repeat(3,1fr);
  gap:                   var(--gap);
}

.svc-card {
  background: var(--white) !important;
  border:     1px solid var(--rule);
  padding:    2.5rem 2rem;
  position:   relative;
  transition: box-shadow var(--ease), transform var(--ease);
}
.svc-card::after {
  content:          '';
  position:         absolute;
  top: 0; left: 0; right: 0;
  height:           2px;
  background:       var(--gold);
  transform:        scaleX(0);
  transform-origin: left;
  transition:       transform .35s ease;
}
.svc-card:hover {
  box-shadow: 0 10px 40px rgba(154,123,58,.12);
  transform:  translateY(-3px);
}
.svc-card:hover::after { transform: scaleX(1); }

.svc-num {
  font-size:      .6rem;
  letter-spacing: .25em;
  color:          var(--gold);
  margin-bottom:  1.5rem;
  font-weight:    500;
}
.svc-icon {
  width:         44px; height: 44px;
  border:        1px solid var(--rule);
  display:       flex;
  align-items:   center;
  justify-content: center;
  color:         var(--gold);
  font-size:     1.2rem;
  margin-bottom: 1.4rem;
}
.svc-card h3   { font-family: var(--font-d); font-size: 1.25rem; margin-bottom: .8rem; }
.svc-card p    { font-size: .8rem; line-height: 1.75; color: var(--ink-soft); }
.svc-link {
  display:        inline-flex;
  align-items:    center;
  gap:            .4rem;
  font-size:      .62rem;
  font-weight:    500;
  letter-spacing: .18em;
  text-transform: uppercase;
  color:          var(--gold);
  margin-top:     1.4rem;
}
.svc-link::after              { content: '→'; transition: transform .2s; }
.svc-link:hover::after        { transform: translateX(4px); }


/* ═════════════════════════════════════════════════════════════
   09. HOME — KAIZEN PHILOSOPHY
   ═════════════════════════════════════════════════════════════ */

.ph-inner {
  display:     grid;
  grid-template-columns: 5fr 4fr;
  gap:         5rem;
  align-items: center;
}

.ph-kanji {
  font-family:    serif;
  font-size:      12rem;
  line-height:    1;
  color:          rgba(154,123,58,.09);
  position:       absolute;
  top: -2rem; right: -1rem;
  user-select:    none;
  pointer-events: none;
}

.ph-title { font-size: 3.2rem; color: var(--gold); margin-bottom: 1.5rem; }
.ph-title em { font-style: italic; color: var(--ink); display: block; font-size: 1.7rem; margin-top: .3rem; }
.ph-text  { font-size: .88rem; line-height: 1.85; color: var(--ink-soft); max-width: 440px; }

.ph-right { display: flex; flex-direction: column; }

.ph-value {
  display:       flex;
  gap:           1.3rem;
  align-items:   flex-start;
  padding:       1.6rem 0;
  border-bottom: 1px solid var(--rule);
}
.ph-value:first-child { padding-top: 0; }
.ph-value:last-child  { border-bottom: none; padding-bottom: 0; }

.ph-vnum {
  font-family: var(--font-d);
  font-size:   1.6rem;
  color:       var(--gold);
  opacity:     .4;
  flex-shrink: 0;
  width:       2rem;
  padding-top: .1rem;
}
.ph-vtext h4 { font-family: var(--font-d); font-size: 1.05rem; margin-bottom: .3rem; }
.ph-vtext p  { font-size: .78rem; line-height: 1.7; color: var(--ink-soft); }


/* ═════════════════════════════════════════════════════════════
   10. HOME — CTA BANNER
   ═════════════════════════════════════════════════════════════ */

.cta-banner { background: var(--slate); padding: 5rem 0; text-align: center; width: 100%; }
.cta-banner .eyebrow       { color: var(--gold-lt); justify-content: center; }
.cta-banner .eyebrow::before { background: var(--gold-lt); }
.cta-banner h2             { font-size: 2.4rem; color: #f5f2ec; margin-bottom: 1rem; }
.cta-banner p              { color: rgba(232,225,210,.65); font-size: .9rem; max-width: 500px; margin: 0 auto 2.5rem; }


/* ═════════════════════════════════════════════════════════════
   11. OUR COMPANY — ABOUT
   ═════════════════════════════════════════════════════════════ */

.about-intro {
  display:     grid;
  grid-template-columns: 3fr 2fr;
  gap:         4rem;
  align-items: start;
}
.about-intro p { font-size: .9rem; line-height: 1.85; color: var(--ink-soft); margin-bottom: 1.2rem; }

.about-side {
  background: var(--white) !important;
  border:     1px solid var(--rule);
  padding:    2.5rem;
}
.about-side-title {
  font-size:      .62rem;
  font-weight:    500;
  letter-spacing: .25em;
  text-transform: uppercase;
  color:          var(--gold);
  margin-bottom:  1.5rem;
}
.fact-row {
  display:       flex;
  justify-content: space-between;
  align-items:   center;
  padding:       .8rem 0;
  border-bottom: 1px solid var(--rule);
}
.fact-row:last-child { border-bottom: none; padding-bottom: 0; }
.fact-label { font-size: .75rem; color: var(--ink-soft); }
.fact-val   { font-family: var(--font-d); font-size: 1.1rem; color: var(--gold); }


/* ═════════════════════════════════════════════════════════════
   12. OUR COMPANY — TEAM
   ═════════════════════════════════════════════════════════════ */

.team-grid {
  display:               grid;
  grid-template-columns: repeat(3,1fr);
  gap:                   var(--gap);
}

.team-card {
  background: var(--white) !important;
  border:     1px solid var(--rule);
  overflow:   hidden;
  transition: box-shadow var(--ease), transform var(--ease);
}
.team-card:hover { box-shadow: 0 10px 40px rgba(154,123,58,.1); transform: translateY(-3px); }

.team-avatar {
  height:          200px;
  background:      linear-gradient(135deg, var(--parchment), var(--cream));
  display:         flex;
  align-items:     center;
  justify-content: center;
  position:        relative;
}
.team-avatar-initials { font-family: var(--font-d); font-size: 3.5rem; color: rgba(154,123,58,.3); }
.team-avatar-line { position: absolute; bottom: 0; left: 0; right: 0; height: 2px; background: var(--gold); }

.team-info          { padding: 1.8rem; }
.team-info h3       { font-family: var(--font-d); font-size: 1.15rem; margin-bottom: .3rem; }
.team-info .role    { font-size: .68rem; font-weight: 500; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); display: block; margin-bottom: .8rem; }
.team-info p        { font-size: .78rem; line-height: 1.7; color: var(--ink-soft); }


/* ═════════════════════════════════════════════════════════════
   13. OUR COMPANY — ETHICS
   ═════════════════════════════════════════════════════════════ */

.ethics-inner { display: grid; grid-template-columns: 1fr 2fr; gap: 4rem; align-items: start; }
.ethics-title { font-size: 2.4rem; }
.ethics-grid  { display: grid; grid-template-columns: 1fr 1fr; gap: var(--gap); }

.ethic-item {
  padding:     1.8rem;
  background:  var(--white) !important;
  border:      1px solid var(--rule);
  border-left: 3px solid var(--gold);
}
.ethic-item h4 { font-family: var(--font-d); font-size: 1.05rem; margin-bottom: .5rem; }
.ethic-item p  { font-size: .78rem; line-height: 1.7; color: var(--ink-soft); }


/* ═════════════════════════════════════════════════════════════
   14. OUR COMPANY — WHAT WE DO
   ═════════════════════════════════════════════════════════════ */

.wwd-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--gap); }

.wwd-card {
  padding:     2.5rem;
  background:  var(--white) !important;
  border:      1px solid var(--rule);
  display:     grid;
  grid-template-columns: 60px 1fr;
  gap:         1.5rem;
  align-items: start;
  transition:  box-shadow var(--ease);
}
.wwd-card:hover { box-shadow: 0 8px 30px rgba(154,123,58,.1); }

.wwd-icon {
  width:         50px; height: 50px;
  border:        1px solid var(--rule);
  display:       flex;
  align-items:   center;
  justify-content: center;
  font-size:     1.3rem;
  color:         var(--gold);
  flex-shrink:   0;
}
.wwd-card h3 { font-family: var(--font-d); font-size: 1.1rem; margin-bottom: .6rem; }
.wwd-card p  { font-size: .8rem; line-height: 1.75; color: var(--ink-soft); }
.wwd-card a  { display: inline-flex; align-items: center; gap: .4rem; font-size: .62rem; font-weight: 500; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); margin-top: 1rem; }


/* ═════════════════════════════════════════════════════════════
   15. OUR COMPANY — QUALIFICATION
   ═════════════════════════════════════════════════════════════ */

.qual-steps {
  display:               grid;
  grid-template-columns: repeat(4,1fr);
  position:              relative;
}
.qual-steps::before {
  content:    '';
  position:   absolute;
  top:        40px; left: 10%; right: 10%;
  height:     1px;
  background: var(--rule);
  z-index:    0;
}

.qual-step { padding: 2rem 1.5rem; text-align: center; position: relative; z-index: 1; }
.qual-num {
  width:         80px; height: 80px;
  background:    var(--white) !important;
  border:        2px solid var(--gold);
  border-radius: 50%;
  display:       flex;
  align-items:   center;
  justify-content: center;
  margin:        0 auto 1.5rem;
  font-family:   var(--font-d);
  font-size:     1.5rem;
  color:         var(--gold);
}
.qual-step h4 { font-family: var(--font-d); font-size: 1rem; margin-bottom: .5rem; }
.qual-step p  { font-size: .75rem; line-height: 1.7; color: var(--ink-soft); }


/* ═════════════════════════════════════════════════════════════
   16. SERVICES — SPLIT LAYOUT & FEATURE LIST
   ═════════════════════════════════════════════════════════════ */

.svc-hero-split { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }

.svc-big-num { font-family: var(--font-d); font-size: 8rem; line-height: 1; color: rgba(154,123,58,.1); margin-bottom: -2rem; display: block; }
.svc-title   { font-size: 2.4rem; margin-bottom: 1.5rem; }
.svc-desc    { font-size: .9rem; line-height: 1.85; color: var(--ink-soft); margin-bottom: 2rem; }

.svc-visual {
  background: var(--white) !important;
  border:     1px solid var(--rule);
  padding:    3rem;
  position:   relative;
}
.svc-visual::before {
  content:    '';
  position:   absolute;
  top: 0; left: 0; right: 0;
  height:     3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-lt));
}

.feat-list { display: flex; flex-direction: column; }

.feat-item {
  display:       flex;
  gap:           1.2rem;
  padding:       1.2rem 0;
  border-bottom: 1px solid var(--rule);
  align-items:   flex-start;
}
.feat-item:last-child { border-bottom: none; }

.feat-icon {
  width:         32px; height: 32px;
  background:    var(--gold-dim);
  border:        1px solid var(--rule);
  display:       flex;
  align-items:   center;
  justify-content: center;
  flex-shrink:   0;
  color:         var(--gold);
  font-size:     .85rem;
}
.feat-text h4 { font-family: var(--font-d); font-size: .98rem; margin-bottom: .25rem; }
.feat-text p  { font-size: .76rem; line-height: 1.65; color: var(--ink-soft); }


/* ═════════════════════════════════════════════════════════════
   17. SERVICES — SBLC CALCULATOR
   ═════════════════════════════════════════════════════════════ */

.calc-outer {
  background: var(--white) !important;
  border:     1px solid var(--rule);
  max-width:  700px;
  margin:     0 auto;
  box-shadow: 0 4px 30px rgba(0,0,0,.06);
}
.calc-header {
  background:    var(--slate);
  padding:       2rem 2.5rem;
  border-bottom: 3px solid var(--gold);
}
.calc-header h3 { font-family: var(--font-d); font-size: 1.5rem; color: #f5f2ec; }
.calc-header p  { font-size: .78rem; color: rgba(232,225,210,.6); margin-top: .4rem; }

.calc-body { padding: 2.5rem; }
.calc-row  { display: grid; grid-template-columns: 1fr 1fr; gap: var(--gap); margin-bottom: var(--gap); }

.form-group       { display: flex; flex-direction: column; gap: .5rem; }
.form-group label { font-size: .62rem; font-weight: 500; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); }
.form-group input,
.form-group select {
  padding:     .8rem 1rem;
  border:      1px solid var(--rule);
  background:  var(--cream);
  font-family: var(--font-b);
  font-size:   .88rem;
  color:       var(--ink);
  outline:     none;
  transition:  border-color var(--ease);
}
.form-group input:focus,
.form-group select:focus { border-color: var(--gold); }

.calc-result {
  background: var(--parchment) !important;
  border:     1px solid var(--rule);
  padding:    2rem;
  margin-top: var(--gap);
  display:    none;
}
.calc-result.show    { display: block; }
.calc-result-label   { font-size: .6rem; font-weight: 500; letter-spacing: .25em; text-transform: uppercase; color: var(--gold); margin-bottom: .5rem; }
.calc-result-val     { font-family: var(--font-d); font-size: 2.5rem; color: var(--ink); }
.calc-result-sub     { font-size: .75rem; color: var(--ink-soft); margin-top: .3rem; }

.calc-btn {
  width:          100%;
  padding:        1rem;
  background:     var(--gold);
  color:          var(--white);
  border:         none;
  font-family:    var(--font-b);
  font-size:      .68rem;
  font-weight:    500;
  letter-spacing: .22em;
  text-transform: uppercase;
  cursor:         pointer;
  transition:     background var(--ease);
  margin-top:     1rem;
}
.calc-btn:hover { background: var(--gold-lt); }


/* ═════════════════════════════════════════════════════════════
   18. SERVICES — PROCESS STEPS
   ═════════════════════════════════════════════════════════════ */

.svc-process { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--gap); margin-top: 3rem; }

.proc-step {
  padding:     2rem;
  background:  var(--white) !important;
  border:      1px solid var(--rule);
  border-left: 3px solid var(--gold);
}
.proc-num { font-family: var(--font-d); font-size: 2rem; color: var(--gold); opacity: .4; margin-bottom: 1rem; display: block; }
.proc-step h4 { font-family: var(--font-d); font-size: 1rem; margin-bottom: .5rem; }
.proc-step p  { font-size: .78rem; line-height: 1.7; color: var(--ink-soft); }


/* ═════════════════════════════════════════════════════════════
   19. LEGAL — LAYOUT & TABLE
   ═════════════════════════════════════════════════════════════ */

.legal-layout { display: grid; grid-template-columns: 260px 1fr; gap: 4rem; padding: 5rem 0; }
.legal-sidebar { position: sticky; top: 2rem; align-self: start; }
.legal-nav-title { font-size: .6rem; font-weight: 500; letter-spacing: .25em; text-transform: uppercase; color: var(--gold); margin-bottom: 1.2rem; }

.legal-nav { display: flex; flex-direction: column; border: 1px solid var(--rule); background: var(--white) !important; }
.legal-nav a {
  padding:       .9rem 1.2rem;
  font-size:     .78rem;
  color:         var(--ink-mid);
  border-bottom: 1px solid var(--rule);
  transition:    background var(--ease), color var(--ease);
  display:       flex;
  align-items:   center;
  gap:           .6rem;
}
.legal-nav a:last-child { border-bottom: none; }
.legal-nav a::before    { content: ''; width: 4px; height: 4px; background: var(--gold); border-radius: 50%; opacity: 0; transition: opacity var(--ease); flex-shrink: 0; }
.legal-nav a:hover,
.legal-nav a.active     { background: var(--gold-dim); color: var(--gold); }
.legal-nav a:hover::before,
.legal-nav a.active::before { opacity: 1; }

.legal-content { display: flex; flex-direction: column; gap: 4rem; }
.legal-section { scroll-margin-top: 2rem; }
.legal-section-header { padding-bottom: 1.2rem; border-bottom: 1px solid var(--rule); margin-bottom: 2rem; display: flex; align-items: baseline; gap: 1.2rem; }
.legal-section-num    { font-family: var(--font-d); font-size: 1rem; color: var(--gold); opacity: .5; }
.legal-section-header h2 { font-size: 1.8rem; }
.legal-body p  { font-size: .88rem; line-height: 1.9; color: var(--ink-soft); margin-bottom: 1.2rem; }
.legal-body h4 { font-family: var(--font-d); font-size: 1.05rem; color: var(--ink); margin: 1.8rem 0 .6rem; }

.comm-table { width: 100%; border-collapse: collapse; margin-top: 1.5rem; font-size: .82rem; }
.comm-table th { background: var(--slate); color: #f5f2ec; padding: .9rem 1.2rem; text-align: left; font-weight: 400; font-size: .65rem; letter-spacing: .15em; text-transform: uppercase; }
.comm-table td { padding: .85rem 1.2rem; border-bottom: 1px solid var(--rule); color: var(--ink-mid); vertical-align: top; }
.comm-table tr:last-child td     { border-bottom: none; }
.comm-table tr:nth-child(even) td { background: var(--parchment) !important; }

.badge { display: inline-block; font-size: .58rem; letter-spacing: .15em; text-transform: uppercase; padding: .25rem .7rem; background: var(--gold-dim); color: var(--gold); border: 1px solid var(--rule); }


/* ═════════════════════════════════════════════════════════════
   20. LEGAL — REGISTRATION & BROKERS
   ═════════════════════════════════════════════════════════════ */

.reg-box { background: var(--white) !important; border: 1px solid var(--rule); padding: 2rem; margin-top: var(--gap); }
.reg-box::before { content: ''; display: block; width: 40px; height: 2px; background: var(--gold); margin-bottom: 1.5rem; }
.reg-row { display: grid; grid-template-columns: 160px 1fr; gap: .5rem; padding: .6rem 0; border-bottom: 1px solid var(--rule); font-size: .82rem; }
.reg-row:last-child { border-bottom: none; padding-bottom: 0; }
.reg-key { color: var(--ink-soft); }
.reg-val { color: var(--ink); }

.broker-cards { display: grid; grid-template-columns: 1fr 1fr; gap: var(--gap); margin-top: var(--gap); }
.broker-card  { background: var(--white) !important; border: 1px solid var(--rule); padding: 1.8rem; border-left: 3px solid var(--gold); }
.broker-card h4 { font-family: var(--font-d); font-size: 1rem; margin-bottom: .5rem; }
.broker-card p  { font-size: .78rem; line-height: 1.7; color: var(--ink-soft); }

.disclaimer-box { background: var(--parchment) !important; border: 1px solid var(--rule); padding: 2rem; margin-top: 2rem; font-size: .78rem; line-height: 1.8; color: var(--ink-soft); }
.disclaimer-box strong { color: var(--ink); font-weight: 500; }


/* ═════════════════════════════════════════════════════════════
   21. BLOG PAGE  (scoped to .ym-blog-page)
   ═════════════════════════════════════════════════════════════ */

.ym-blog-page { background: var(--cream); font-family: var(--font-b); font-weight: 300; }
.ym-blog-page * { box-sizing: border-box; }

.ym-blog-page .ybp-header {
  background: var(--slate);
  padding:    3.5rem 3rem 3rem;
  position:   relative;
  overflow:   hidden;
  width:      100%;
}
.ym-blog-page .ybp-header::before {
  content:    '';
  position:   absolute;
  inset:      0;
  background-image:
    linear-gradient(rgba(154,123,58,.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(154,123,58,.05) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
.ym-blog-page .ybp-header::after {
  content:    '';
  position:   absolute;
  bottom: 0; left: 0; right: 0;
  height:     3px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.ym-blog-page .ybp-header h1 { font-size: clamp(1.8rem,3.5vw,2.8rem); color: #f5f2ec; margin-bottom: .8rem; }
.ym-blog-page .ybp-header p  { color: rgba(232,225,210,.55); font-size: .88rem; max-width: 520px; }

.ym-blog-page .ybp-eyebrow { display: inline-flex; align-items: center; gap: .7rem; font-size: .6rem; font-weight: 500; letter-spacing: .3em; text-transform: uppercase; color: var(--gold-lt); margin-bottom: 1rem; }
.ym-blog-page .ybp-eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--gold-lt); }

.ym-blog-page .ybp-filter-bar { background: var(--white) !important; border-bottom: 1px solid var(--rule); padding: 0 3rem; display: flex; overflow-x: auto; scrollbar-width: none; }
.ym-blog-page .ybp-filter-bar::-webkit-scrollbar { display: none; }
.ym-blog-page .ybp-filter-btn { padding: 1rem 1.4rem; font-size: .63rem; font-weight: 500; letter-spacing: .18em; text-transform: uppercase; color: var(--ink-soft); background: none; border: none; border-bottom: 2px solid transparent; margin-bottom: -1px; cursor: pointer; font-family: var(--font-b); white-space: nowrap; transition: color var(--ease), border-color var(--ease); }
.ym-blog-page .ybp-filter-btn:hover,
.ym-blog-page .ybp-filter-btn.active { color: var(--gold); border-bottom-color: var(--gold); }

.ym-blog-page .ybp-body { display: grid; grid-template-columns: 1fr 300px; gap: 3rem; padding: 3rem 3rem 5rem; max-width: var(--max-w); margin: 0 auto; }

.ym-blog-page .ybp-featured { display: grid; grid-template-columns: 1.1fr 1fr; background: var(--white) !important; border: 1px solid var(--rule); margin-bottom: 2.5rem; overflow: hidden; transition: box-shadow var(--ease); }
.ym-blog-page .ybp-featured:hover { box-shadow: 0 12px 50px rgba(154,123,58,.12); }

.ym-blog-page .ybp-featured-img { background: linear-gradient(140deg,var(--slate) 0%,#1a2035 100%); min-height: 280px; display: flex; align-items: center; justify-content: center; position: relative; overflow: hidden; }
.ym-blog-page .ybp-featured-img-glyph { font-family: var(--font-d); font-size: 7rem; color: rgba(154,123,58,.18); }
.ym-blog-page .ybp-feat-badge { position: absolute; top: 1.5rem; left: 1.5rem; background: var(--gold); color: var(--white); font-size: .57rem; font-weight: 500; letter-spacing: .22em; text-transform: uppercase; padding: .3rem .8rem; z-index: 2; }

.ym-blog-page .ybp-featured-body { padding: 2.5rem; display: flex; flex-direction: column; justify-content: center; }
.ym-blog-page .ybp-featured-body h2 { font-size: 1.65rem; margin-bottom: .9rem; line-height: 1.25; }
.ym-blog-page .ybp-featured-body h2 a { color: var(--ink); }
.ym-blog-page .ybp-featured-body h2 a:hover { color: var(--gold); }
.ym-blog-page .ybp-featured-body > p { font-size: .82rem; line-height: 1.8; color: var(--ink-soft); margin-bottom: 1.5rem; }

.ym-blog-page .ybp-meta { display: flex; align-items: center; gap: 1rem; margin-bottom: 1rem; }
.ym-blog-page .ybp-cat  { font-size: .6rem; font-weight: 500; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); }
.ym-blog-page .ybp-dot  { width: 3px; height: 3px; background: var(--rule); border-radius: 50%; }
.ym-blog-page .ybp-date,
.ym-blog-page .ybp-read-time { font-size: .68rem; color: var(--ink-soft); }
.ym-blog-page .ybp-read-link { display: inline-flex; align-items: center; gap: .4rem; font-size: .63rem; font-weight: 500; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); }
.ym-blog-page .ybp-read-link span { transition: transform .2s; }
.ym-blog-page .ybp-read-link:hover span { transform: translateX(4px); }

.ym-blog-page .ybp-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--gap); }

.ym-blog-page .ybp-card { background: var(--white) !important; border: 1px solid var(--rule); overflow: hidden; display: flex; flex-direction: column; transition: box-shadow var(--ease), transform var(--ease); }
.ym-blog-page .ybp-card:hover { box-shadow: 0 8px 32px rgba(154,123,58,.1); transform: translateY(-3px); }

.ym-blog-page .ybp-card-thumb { height: 170px; background: linear-gradient(135deg,var(--parchment) 0%,var(--cream) 100%) !important; display: flex; align-items: center; justify-content: center; position: relative; overflow: hidden; flex-shrink: 0; }
.ym-blog-page .ybp-card-glyph { font-family: var(--font-d); font-size: 3.5rem; color: rgba(154,123,58,.15); }
.ym-blog-page .ybp-card-thumb::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .35s; z-index: 2; }
.ym-blog-page .ybp-card:hover .ybp-card-thumb::after { transform: scaleX(1); }

.ym-blog-page .ybp-card-body { padding: 1.6rem; display: flex; flex-direction: column; gap: .7rem; flex: 1; }
.ym-blog-page .ybp-card-body h3 { font-size: 1.05rem; line-height: 1.3; }
.ym-blog-page .ybp-card-body h3 a { color: var(--ink); }
.ym-blog-page .ybp-card-body h3 a:hover { color: var(--gold); }
.ym-blog-page .ybp-card-body p { font-size: .78rem; line-height: 1.72; color: var(--ink-soft); }

.ym-blog-page .ybp-card-footer { margin-top: auto; padding-top: 1rem; border-top: 1px solid var(--rule); display: flex; justify-content: space-between; align-items: center; }
.ym-blog-page .ybp-author { font-size: .65rem; color: var(--ink-soft); display: flex; align-items: center; gap: .5rem; }
.ym-blog-page .ybp-author-dot { width: 22px; height: 22px; background: var(--gold-dim); border: 1px solid var(--rule); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: .55rem; color: var(--gold); font-weight: 500; }

.ym-blog-page .ybp-pagination { display: flex; gap: .4rem; margin-top: 2.5rem; }
.ym-blog-page .ybp-page-btn { width: 36px; height: 36px; display: flex; align-items: center; justify-content: center; border: 1px solid var(--rule); font-size: .75rem; color: var(--ink-mid); cursor: pointer; transition: all var(--ease); background: var(--white) !important; font-family: var(--font-b); }
.ym-blog-page .ybp-page-btn:hover,
.ym-blog-page .ybp-page-btn.active { background: var(--gold) !important; color: var(--white); border-color: var(--gold); }

/* Blog sidebar */
.ym-blog-page .ybp-sidebar { display: flex; flex-direction: column; gap: 1.8rem; }
.ym-blog-page .ybp-widget { background: var(--white) !important; border: 1px solid var(--rule); overflow: hidden; }
.ym-blog-page .ybp-widget-head { background: var(--parchment) !important; padding: .9rem 1.4rem; border-bottom: 1px solid var(--rule); display: flex; align-items: center; gap: .7rem; }
.ym-blog-page .ybp-widget-head::before { content: ''; width: 3px; height: 14px; background: var(--gold); border-radius: 2px; flex-shrink: 0; }
.ym-blog-page .ybp-widget-head h4 { font-family: var(--font-d); font-size: .95rem; }
.ym-blog-page .ybp-widget-body { padding: 1.2rem 1.4rem; }

.ym-blog-page .ybp-cat-list { display: flex; flex-direction: column; }
.ym-blog-page .ybp-cat-row  { display: flex; justify-content: space-between; align-items: center; padding: .65rem 0; border-bottom: 1px solid var(--rule); font-size: .8rem; }
.ym-blog-page .ybp-cat-row:last-child { border-bottom: none; padding-bottom: 0; }
.ym-blog-page .ybp-cat-row a:hover { color: var(--gold); }
.ym-blog-page .ybp-cat-badge { font-size: .6rem; background: var(--gold-dim); color: var(--gold); padding: .15rem .5rem; }

.ym-blog-page .ybp-recent { display: flex; flex-direction: column; gap: 1rem; }
.ym-blog-page .ybp-recent-item { display: flex; gap: .8rem; align-items: flex-start; padding-bottom: 1rem; border-bottom: 1px solid var(--rule); }
.ym-blog-page .ybp-recent-item:last-child { border-bottom: none; padding-bottom: 0; }
.ym-blog-page .ybp-recent-num { font-family: var(--font-d); font-size: 1.3rem; color: var(--gold); opacity: .3; flex-shrink: 0; line-height: 1.1; }
.ym-blog-page .ybp-recent-text a { font-size: .78rem; color: var(--ink-mid); line-height: 1.45; display: block; margin-bottom: .2rem; }
.ym-blog-page .ybp-recent-text a:hover { color: var(--gold); }
.ym-blog-page .ybp-recent-date { font-size: .63rem; color: var(--ink-soft); }

.ym-blog-page .ybp-tags { display: flex; flex-wrap: wrap; gap: .45rem; }
.ym-blog-page .ybp-tag  { font-size: .62rem; font-weight: 500; letter-spacing: .12em; text-transform: uppercase; padding: .28rem .75rem; border: 1px solid var(--rule); color: var(--ink-soft); background: transparent; transition: all var(--ease); cursor: pointer; font-family: var(--font-b); }
.ym-blog-page .ybp-tag:hover { border-color: var(--gold); color: var(--gold); background: var(--gold-dim); }

.ym-blog-page .ybp-newsletter { background: var(--slate) !important; padding: 1.6rem; }
.ym-blog-page .ybp-newsletter h4 { font-family: var(--font-d); font-size: 1.05rem; color: #f5f2ec; margin-bottom: .4rem; }
.ym-blog-page .ybp-newsletter p  { font-size: .74rem; color: rgba(232,225,210,.55); line-height: 1.65; margin-bottom: 1.1rem; }
.ym-blog-page .ybp-newsletter input { width: 100%; padding: .65rem .9rem; background: rgba(255,255,255,.07); border: 1px solid rgba(154,123,58,.35); color: #f5f2ec; font-family: var(--font-b); font-size: .82rem; margin-bottom: .7rem; outline: none; transition: border-color var(--ease); }
.ym-blog-page .ybp-newsletter input::placeholder { color: rgba(232,225,210,.35); }
.ym-blog-page .ybp-newsletter input:focus { border-color: var(--gold); }
.ym-blog-page .ybp-newsletter button { width: 100%; padding: .7rem; background: var(--gold); color: var(--white); border: none; font-family: var(--font-b); font-size: .63rem; font-weight: 500; letter-spacing: .22em; text-transform: uppercase; cursor: pointer; transition: background var(--ease); }
.ym-blog-page .ybp-newsletter button:hover { background: var(--gold-lt); }


/* ═════════════════════════════════════════════════════════════
   22. CALCULATOR PAGE  (scoped to .ym-calc-page)
   ═════════════════════════════════════════════════════════════ */

.ym-calc-page { background: var(--cream); font-family: var(--font-b); font-weight: 300; }
.ym-calc-page * { box-sizing: border-box; }

.ym-calc-page .ycp-header { background: var(--slate); padding: 3.5rem 3rem 3rem; position: relative; overflow: hidden; width: 100%; }
.ym-calc-page .ycp-header::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(154,123,58,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(154,123,58,.05) 1px,transparent 1px); background-size: 48px 48px; pointer-events: none; }
.ym-calc-page .ycp-header::after  { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg,transparent,var(--gold),transparent); }
.ym-calc-page .ycp-header h1 { font-size: clamp(1.8rem,3vw,2.6rem); color: #f5f2ec; margin-bottom: .8rem; position: relative; z-index: 1; }
.ym-calc-page .ycp-header p  { color: rgba(232,225,210,.58); font-size: .88rem; max-width: 540px; line-height: 1.75; position: relative; z-index: 1; }

.ym-calc-page .ycp-eyebrow { display: inline-flex; align-items: center; gap: .7rem; font-size: .6rem; font-weight: 500; letter-spacing: .3em; text-transform: uppercase; color: var(--gold-lt); margin-bottom: 1rem; position: relative; z-index: 1; }
.ym-calc-page .ycp-eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--gold-lt); }

.ym-calc-page .ycp-body   { padding: 3rem 3rem 5rem; max-width: var(--max-w); margin: 0 auto; }
.ym-calc-page .ycp-intro  { text-align: center; max-width: 620px; margin: 0 auto 3rem; }
.ym-calc-page .ycp-intro h2 { font-size: 1.9rem; margin-bottom: .8rem; }
.ym-calc-page .ycp-intro p  { font-size: .88rem; color: var(--ink-soft); }

.ym-calc-page .ycp-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--gap); }

.ym-calc-page .ycp-card { background: var(--white) !important; border: 1px solid var(--rule); display: flex; flex-direction: column; position: relative; overflow: hidden; transition: box-shadow var(--ease), transform var(--ease); }
.ym-calc-page .ycp-card:hover { box-shadow: 0 12px 48px rgba(154,123,58,.13); transform: translateY(-3px); }
.ym-calc-page .ycp-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg,var(--gold),var(--gold-lt)); transform: scaleX(0); transform-origin: left; transition: transform .4s ease; }
.ym-calc-page .ycp-card:hover::before { transform: scaleX(1); }

.ym-calc-page .ycp-card-head { background: var(--parchment) !important; border-bottom: 1px solid var(--rule); padding: 1.6rem 2rem; display: flex; align-items: flex-start; gap: 1.2rem; }
.ym-calc-page .ycp-card-icon { width: 46px; height: 46px; flex-shrink: 0; background: var(--white) !important; border: 1px solid var(--rule); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; color: var(--gold); position: relative; }
.ym-calc-page .ycp-card-icon::after { content: attr(data-num); position: absolute; top: -6px; right: -6px; width: 16px; height: 16px; background: var(--gold); color: var(--white); font-family: var(--font-b); font-size: .5rem; font-weight: 500; border-radius: 50%; display: flex; align-items: center; justify-content: center; line-height: 1; }
.ym-calc-page .ycp-card-head-text h3 { font-size: 1.05rem; margin-bottom: .25rem; line-height: 1.25; }
.ym-calc-page .ycp-tag { display: inline-block; font-size: .55rem; font-weight: 500; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); background: var(--gold-dim); border: 1px solid var(--rule); padding: .15rem .55rem; }

.ym-calc-page .ycp-card-body { padding: 1.8rem 2rem; flex: 1; display: flex; flex-direction: column; gap: 1.2rem; }
.ym-calc-page .ycp-card-body p { font-size: .82rem; line-height: 1.8; color: var(--ink-soft); }

.ym-calc-page .ycp-chips { display: flex; flex-wrap: wrap; gap: .4rem; }
.ym-calc-page .ycp-chip  { font-size: .6rem; font-weight: 500; letter-spacing: .12em; text-transform: uppercase; padding: .22rem .65rem; border: 1px solid var(--rule); color: var(--ink-soft); background: var(--cream); }

.ym-calc-page .ycp-card-cta { margin-top: auto; padding: 1.5rem 2rem; border-top: 1px solid var(--rule); }
.ym-calc-page .ycp-btn { display: inline-flex; align-items: center; gap: .6rem; font-family: var(--font-b); font-size: .65rem; font-weight: 500; letter-spacing: .22em; text-transform: uppercase; padding: .82rem 1.8rem; background: var(--gold); color: var(--white); border: none; cursor: pointer; transition: background var(--ease); text-decoration: none; }
.ym-calc-page .ycp-btn:hover { background: var(--gold-lt); color: var(--white); }
.ym-calc-page .ycp-btn-arrow { transition: transform .22s; }
.ym-calc-page .ycp-btn:hover .ycp-btn-arrow { transform: translateX(4px); }

.ym-calc-page .ycp-disclaimer { background: var(--parchment) !important; border: 1px solid var(--rule); border-left: 3px solid var(--gold); padding: 1.4rem 1.8rem; display: flex; gap: 1rem; align-items: flex-start; margin-top: 3rem; }
.ym-calc-page .ycp-disclaimer-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: .1rem; }
.ym-calc-page .ycp-disclaimer p    { font-size: .75rem; line-height: 1.8; color: var(--ink-soft); }
.ym-calc-page .ycp-disclaimer strong { color: var(--ink); font-weight: 500; }


/* ═════════════════════════════════════════════════════════════
   23. FOOTER  (.ym-footer-wrap / .ym-footer)
   ═════════════════════════════════════════════════════════════ */

.ym-footer-wrap {
  margin-left:   -9999px;
  margin-right:  -9999px;
  padding-left:   9999px;
  padding-right:  9999px;
  background:    #1e1c19 !important;
  color:         #f5f2ec !important;
  overflow:      hidden;
}

.ym-footer {
  background:  #1e1c19 !important;
  color:       #f5f2ec !important;
  font-family: var(--font-b);
  font-weight: 300;
  font-size:   14px;
  border-top:  2px solid var(--gold);
  max-width:   var(--max-w);
  margin:      0 auto;
  -webkit-font-smoothing: antialiased;
}
.ym-footer * { box-sizing: border-box; margin: 0; padding: 0; }
.ym-footer a { text-decoration: none; transition: color var(--ease); }

.ym-footer .ymf-locations { display: grid; grid-template-columns: repeat(3,1fr); border-bottom: 1px solid var(--rule); }
.ym-footer .ymf-loc { padding: 1.2rem 2rem; border-right: 1px solid var(--rule); position: relative; overflow: hidden; transition: background var(--ease); }
.ym-footer .ymf-loc:last-child { border-right: none; }
.ym-footer .ymf-loc::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.ym-footer .ymf-loc:hover { background: rgba(255,255,255,.03); }
.ym-footer .ymf-loc:hover::before { transform: scaleX(1); }
.ym-footer .ymf-loc-region  { font-size: .58rem; font-weight: 500; letter-spacing: .25em; text-transform: uppercase; color: var(--gold); margin-bottom: .4rem; }
.ym-footer .ymf-loc-city    { font-family: var(--font-d); font-size: 1.3rem; font-weight: 400; color: #f5f2ec; line-height: 1.1; margin-bottom: .15rem; }
.ym-footer .ymf-loc-country { font-size: .6rem; font-weight: 500; letter-spacing: .15em; text-transform: uppercase; color: rgba(232,225,210,.5); }

.ym-footer .ymf-main { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; padding: 1.8rem 2rem 1.6rem; border-bottom: 1px solid var(--rule); }
.ym-footer .ymf-logo { display: flex; align-items: center; gap: .7rem; margin-bottom: .8rem; }
.ym-footer .ymf-logo-mark { width: 26px; height: 26px; border: 1.5px solid var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.ym-footer .ymf-logo-mark span { width: 9px; height: 9px; background: var(--gold); border-radius: 50%; opacity: .45; }
.ym-footer .ymf-logo-name   { font-family: var(--font-d); font-size: 1rem; font-weight: 600; color: #f5f2ec; letter-spacing: .06em; }
.ym-footer .ymf-brand-desc  { font-size: .72rem; line-height: 1.7; color: rgba(232,225,210,.5); max-width: 240px; margin-bottom: .9rem; }
.ym-footer .ymf-tagline { display: inline-flex; align-items: center; gap: .5rem; font-size: .55rem; font-weight: 500; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); padding: .35rem .8rem; border: 1px solid var(--rule); }
.ym-footer .ymf-tagline::before { content: '改善'; font-family: serif; font-size: .75rem; opacity: .6; }
.ym-footer .ymf-col h5 { font-size: .58rem; font-weight: 500; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); margin-bottom: .8rem; padding-bottom: .5rem; border-bottom: 1px solid var(--rule); }
.ym-footer .ymf-col ul { list-style: none; display: flex; flex-direction: column; gap: .45rem; }
.ym-footer .ymf-col li a { font-size: .72rem; color: rgba(232,225,210,.5); display: flex; align-items: center; gap: .45rem; }
.ym-footer .ymf-col li a::before { content: ''; width: 0; height: 1px; background: var(--gold); transition: width var(--ease); flex-shrink: 0; }
.ym-footer .ymf-col li a:hover { color: var(--gold-lt); }
.ym-footer .ymf-col li a:hover::before { width: 10px; }
.ym-footer .ymf-bottom { display: flex; align-items: center; justify-content: space-between; padding: 1rem 2rem; gap: 1.5rem; flex-wrap: wrap; }
.ym-footer .ymf-copy { font-size: .62rem; color: rgba(232,225,210,.5); letter-spacing: .06em; }
.ym-footer .ymf-copy strong { color: rgba(232,225,210,.7); font-weight: 400; }
.ym-footer .ymf-legal-links { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.ym-footer .ymf-legal-links a { font-size: .6rem; color: rgba(232,225,210,.5); letter-spacing: .08em; }
.ym-footer .ymf-legal-links a:hover { color: var(--gold-lt); }
.ym-footer .ymf-sep { width: 1px; height: 12px; background: var(--rule); }


/* ═════════════════════════════════════════════════════════════
   24. ANIMATIONS
   ═════════════════════════════════════════════════════════════ */

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes ticker-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}


/* ═════════════════════════════════════════════════════════════
   25. RESPONSIVE — TABLET  max-width: 960px
   ═════════════════════════════════════════════════════════════ */

@media (max-width: 960px) {

  :root { --pad-h: 1.5rem; }

  /* Nav — show hamburger, hide horizontal menu */
  .ym-nav-toggle       { display: block !important; }
  .ym-nav {
    position:   fixed !important;
    top:        0 !important;
    left:       -100% !important;
    width:      80% !important;
    max-width:  320px !important;
    height:     100vh !important;
    background: var(--footer-bg) !important;
    border-right: 1px solid rgba(154,123,58,.2) !important;
    padding-top: 80px !important;
    transition: left .3s ease !important;
    z-index:    1000 !important;
    overflow-y: auto !important;
    flex-direction: column !important;
    align-items: flex-start !important;
  }
  .ym-nav.active { left: 0 !important; }

  .ym-nav ul,
  .ym-nav .mod-menu__list,
  .ym-nav .nav {
    flex-direction: column !important;
    width:          100% !important;
    padding:        1rem 0 !important;
    gap:            0 !important;
  }

  .ym-nav a,
  .ym-nav .mod-menu__link,
  .ym-nav .nav-link {
    padding:     .85rem 1.5rem !important;
    font-size:   .72rem !important;
    border-bottom: none !important;
    border-bottom: 1px solid rgba(154,123,58,.1) !important;
    width:       100% !important;
  }

  /* Mobile dropdown — always visible, indented */
  .ym-nav .nav-child,
  .ym-nav ul ul,
  .ym-nav .dropdown-menu {
    display:         flex !important;
    position:        static !important;
    background:      rgba(0,0,0,.2) !important;
    border:          none !important;
    border-top:      none !important;
    box-shadow:      none !important;
    padding:         0 !important;
    min-width:       0 !important;
    width:           100% !important;
  }
  .ym-nav .nav-child a,
  .ym-nav .dropdown-menu a,
  .ym-nav ul ul a {
    padding-left: 2.5rem !important;
    font-size:    .68rem !important;
    color:        rgba(232,225,210,.5) !important;
  }

  /* Main grid sidebars stack on tablet */
  .ym-main-grid.has-sidebar-left,
  .ym-main-grid.has-sidebar-right,
  .ym-main-grid.has-sidebar-left.has-sidebar-right {
    grid-template-columns: 1fr;
  }

  .hero                   { grid-template-columns: 1fr; }
  .hero-right             { display: none; }
  .hero-stats             { grid-template-columns: 1fr 1fr; }

  .services-row           { grid-template-columns: 1fr; }
  .ph-inner               { grid-template-columns: 1fr; gap: 3rem; }

  .about-intro            { grid-template-columns: 1fr; }
  .ethics-inner           { grid-template-columns: 1fr; }
  .ethics-grid            { grid-template-columns: 1fr; }
  .team-grid              { grid-template-columns: 1fr 1fr; }
  .wwd-grid               { grid-template-columns: 1fr; }
  .qual-steps             { grid-template-columns: 1fr 1fr; }
  .qual-steps::before     { display: none; }

  .svc-hero-split         { grid-template-columns: 1fr; }
  .calc-row               { grid-template-columns: 1fr; }
  .svc-process            { grid-template-columns: 1fr; }

  .legal-layout           { grid-template-columns: 1fr; padding: 3rem 0; }
  .legal-sidebar          { position: static; }
  .broker-cards           { grid-template-columns: 1fr; }

  .ym-blog-page .ybp-body           { grid-template-columns: 1fr; padding: 2rem 1.5rem 4rem; }
  .ym-blog-page .ybp-featured       { grid-template-columns: 1fr; }
  .ym-blog-page .ybp-featured-img   { min-height: 200px; }
  .ym-blog-page .ybp-filter-bar     { padding: 0 1.5rem; }
  .ym-blog-page .ybp-header         { padding: 3rem 1.5rem 2.5rem; }

  .ym-calc-page .ycp-grid   { grid-template-columns: 1fr; }
  .ym-calc-page .ycp-body   { padding: 2rem 1.5rem 4rem; }
  .ym-calc-page .ycp-header { padding: 2.5rem 1.5rem 2rem; }

  .ym-footer .ymf-locations          { grid-template-columns: 1fr 1fr; }
  .ym-footer .ymf-loc:nth-child(2)   { border-right: none; }
  .ym-footer .ymf-loc                { padding: .9rem 1.2rem; }
  .ym-footer .ymf-main               { grid-template-columns: 1fr 1fr; padding: 1.5rem 1.2rem; }
  .ym-footer .ymf-brand              { grid-column: 1 / -1; }
  .ym-footer .ymf-bottom             { padding: .9rem 1.2rem; }
}


/* ═════════════════════════════════════════════════════════════
   26. RESPONSIVE — MOBILE  max-width: 560px
   ═════════════════════════════════════════════════════════════ */

@media (max-width: 560px) {

  .hero-stats  { grid-template-columns: 1fr; }
  .hstat       { border-right: none; border-bottom: 1px solid var(--rule); }

  .team-grid   { grid-template-columns: 1fr; }
  .qual-steps  { grid-template-columns: 1fr; }

  .reg-row     { grid-template-columns: 1fr; gap: .2rem; }

  .ym-blog-page .ybp-grid { grid-template-columns: 1fr; }

  .ym-footer .ymf-locations { grid-template-columns: 1fr; }
  .ym-footer .ymf-loc       { border-right: none; border-bottom: 1px solid var(--rule); }
  .ym-footer .ymf-loc:last-child { border-bottom: none; }
  .ym-footer .ymf-main      { grid-template-columns: 1fr; }
  .ym-footer .ymf-bottom    { flex-direction: column; align-items: flex-start; }
}